A quick update i have found a recent statement of account from eurodebt and i am horrified, seems that my mother has been dealing with them since around 2002 and paying between £60-70 a month. This what her last statement says, Creditor: B/Card Collector : Credit Security Ltd Balance £530.78 (this went default on her credit file 2004) Creditor: Black Horse Collector: Direct Legal & Collections Balance £602.43 (she has no idea how long it goes back) Creditor: Lloyds TSB Collector: BLS Collections Balance £6375.03 (Bank account that closed in 2001 all bank charges) Creditor: Welcome Finance Collector: Welcome Finance Balance: £1537.48 (Loan taken out before 2004) Creditor: London Scottish Collector: Rockwell Debt Recovery Balance : £203.67 (Loan not sure from when) Creditor: London Scottish Collector: Rockwell Debt Recovery Balance : £107.00 (Again loan from not sure what date) I'm going get a SAR off to them next week but i can not believe what she has been doing over the past 7-8 years. She currently pays £75.00 a month which £36.09 goes to creditors and £35.88 they take in management fees. I'm disgusted in this, she is worried that if she cancels the agreement that they will take her house or debt people will come after her I’ve told her not to worry we are in the right place now. Any ideas on what to do next???? Thanks once again

Thanks dadofholly, She says that she gets a statement evey month off them so i will investigate further. but has anybody had dealing of eurobebt????? something all seems very odd my mother is nearly 60 now and she under the impression that this tsb one is nearly 8-10 years old i with a balance of a couple of thousand pounds. I will know more tomorrow. Thanks Edit : i had started typing before your second post.

Hi i was just wondering if you kind people could give me some advice, I am trying to help my mother sort out her finances as she has got herself into a really bad spot and as you guys helped with Lowell a few years ago which worked out well for me. Right first thing to sort out is she is paying a company called Eurodebt 70 odd pound a month to pay some of her old debts. I'm not sure how old these debts are and who exactly eurodebt are actually paying. Can i tell them to sod off as they seem to be paying a debt from 2007 of £1400 at £5 P/M from what i can also work out is C/C from barclaycard which defaulted on Aug 08 which according to her credit file is still outstanding and has not been paid in 3 years she is under the impression that she has been paying eurodebt 35-40 a month for the past 3 years to pay this off but on her credit file she only owes £554 ???? She also thinks that she is paying off an some old bank charges from TSB going way over six years but its not on her credit report so who is she paying and why isn’t it on her credit report. I only found out this afternoon all of this so when i meet her the weekend i will get all her paperwork and find out the deal. Also she has just told me that eurodebt are holding £500 bond or something like that is that normal. Please help as I’m worried for her, Thank you in advance for any help given.

Mr.ton due you suspect that CCI might be watching as 5 guests have been viewing for a while now. Or am i being paranoid

Morning all, just wondered if i could call on your help again please, I have received some e-mails recently from CCI regarding an old usenext account that i had. Current Balance: €110.35 In spite of previous reminders we have not received payment for the amount as detailed above. We appreciate that you may have cancelled your account membership since your last login, however the above relates to membership charges incurred prior to cancellation. Please note that 14 day trial packages and contracts are automatically extended in accordance with the Terms and Conditions below. You confirmed your acceptance of these terms during the sign up process. Unless we receive payment by 10/08/2009, our client may proceed with the following action: Credit Report: Credit searches will be recorded against your name and address. This report will be recorded as a debt collection search and may adversely affect your credit worthiness. Court Action: Legal proceedings are initiated through our local County Court at which time additional Court and Solicitors costs of £60.00 will be added to the debt as well as any interest which may have accrued. Once our client has obtained a Judgment, further enforcement costs will be payable by yourself and the Judgment will remain on record for a period of six years. If you are unable to pay in full, part pay now and call 01766 771901 to discuss payment options. To pay by card, please call 0845 671 0043 and use reference *****, or make payment online at CCI Legal Services Ltd Thank you in anticipation of your immediate response. Yours sincerely CCI LEGAL SERVICES LTD PRINT AND MAIL THE ATTACHED SLIP AND YOUR CHEQUE TO CCI ------------------ This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. For security and training purposes all telephone calls are recorded Registered office: Stanhope House Mark Rake Bromborough CH62 2DN T:01766 771901. Company Registration Number 04358908. Consumer Credit Licence Number 627305. Data Protection Registration Number Z5640292 CCI Legal Services cannot answer technical questions about our clients’ service. Please contact UseNext Technical support at UseNeXT - Usenet Binaries mit DSL Speed downloaden inkl. gratis Software for further assistance. UseNext Terms and Conditions When signing up for the service, you confirmed that you had read and accepted the Terms & Conditions. The following text was shown during the sign-up process and you accepted by ticking a box on the top of the text: I am of legal age. By sending this form I submit a binding offer. This offer is accepted (conclusion of the contract) when I receive an e-mail of confirmation. The contract enables me to:a) Test UseNeXT for the next 2 weeks and download up to 3 Gigabyte for free!.b) Unless I cancel within the test period, or upgrade to a different subscription package, I agree to join for only $11.25*/7,95 Euro per month - for a period of 12 month and get access to 15 Gigabytes download volume for each month. I understand that I may cancel at any time, such that my subscription is not renewed upon expiry. I acknowledge that unless I wish for my account to be automatically renewed for a further service period, I must provide notice of my wish not to renew, at least one day before the end date of the current term. I have read through the terms and conditions and agree to join UseNeXT subject to these terms. Right of withdrawal: I can withdraw my declaration directed on the conclusion of the contract within two weeks in written form without giving any reasons (e.g. using the support form, post, fax or online in the member area). The time allowed starts at the earliest with the receipt of this indoctrination. To ensure the time allowed for your withdrawal the duly dispatch of your withdrawal is sufficient. The withdrawal must be sent to:Aviteo Ltd.Gainsborough HouseCustomer Care81 Oxford Street London W1D 2EUGreat BritainFax: +49-700-873639813Please note that this number's prefix depends on the country you live in. A list of prefix codes can be found under "Support Hotline".Support form: UseNeXT - Usenet Binaries mit DSL Speed downloaden inkl. gratis Software Member area: http://usenext.deExlusion of right of withdrawal: My right of withdrawal expires ahead of time if the execution of the service was started with my explicit approval or if I have started the execution myself (e.g. by downloading).Effects of withdrawal: In case of an effective withdrawal both side's efforts have to be granted aback and incurred use (e.g. interests) has to be restored should the situation arise. It is not possible to successfully sign up without explicitly confirming and accepting these contract conditions. Please note that these agreements are not subject to the Consumer Credit Act 1974. This is a non-regulated agreement for fixed sum credit or running account credit. The Consumer Credit Act 1974 section 77-79 covers: (Section 77) regulated agreement for fixed sum credit (Section 78 ) regulated agreement for running account credit (Section 79) consumer hire agreements Queries made under the terms of this act cannot be answered. This debt results from a legally binding contract. Please forward payment to CCI. Now i have highlighted in Red the points that concern me particularly the 1974 act. I know there is already a thread regarding these clowns but just wanted some help on next move; ie do i send CCA letter if so by what form of contact e-mail/post. I have done quite well in getting my credit file back on track in the last 2-3 years and could do without this crap. Again thank you in advance for all your help given.

Thanks that's the sort of advise that i need to hear, So cerberusalert do i send the cca to muckhall & the other letter to merit. Again thanks for the all the help

Evening all, haven't been on here for awhile luckily the vultchers have stayed away, basically about 7-8 months ago i got a letter from Muckhall asking me to contact them about an urgent matter, yeah right. So i heard nothing for awhile then got another one saying contact them as regards to an outstanding cabot debt (which i know nothing about) again thought they just waiting for me to phone them so i filed it in the bin. Now today i have received a from Meritforce saying the following Pursuers : Cabot Financial (Europe) Ltd Original Creditor : HFC Client Reference : xxxxxxxx Principal Sum: £xxx.xx Authorised Collector Visit Due to the non-payment of the above debt to MacKenzie hall, we have now been instructed to collect this debt on their behalf. An authorised collector will make a visit to your property within the next 10 days Should our collector inform us that no positive commitment towards clearing the debt has taken place, we will have no other alternative but to advise our client to take such further action as may be appropriate. If you do not want our collector to call and would rather arrange settlement directly with ourselves, you must contact our office by: 19th January 2009 We look forward to hearing from you. No more reminders will be sent. Your sincerely Morgan Smith Right my wife has seen the letter gone mad saying she doesn't want bailiffs coming around here giving us loads of grief, I said i know just the people to help us out. So any advise or letters to send would be great.

Hello Peeps, Have recieved another letter from lowell saying that, unless you contact us immediatley and clear the arrears your arrangement with us will be terminated and we will have to look at alternative ways of recovery, one of which may lead to legal action. it also mentions Hampton's Legal a bit further on Here is a copy http://i263.photobucket.com/albums/ii153/llieno/2008-04-30-1608-55.jpg I have have sent the letter curly ben advised but it was only last week sometime around 21st this letter is dated the 23rd, Some advise please, Is this a scare tactic or genuine as i dont want to go to court. Many Thanks

Thanks Curly, Does that also mean that the default that is is on my credit file should be removed as per The lack of a compliant credit agreement is a very clear dispute and as such the following applies. * may not demand any payment on the account, nor am I obliged to offer any payment to you. * may not add further interest or any charges to the account. * may not pass the account to a third party. * may not register any information in respect of the account with any credit reference agency. * may not issue a default notice related to the account. Is that right & if so how do i go about doing that.

Hi just an update to my dilema, Have had a missed phone call every day since i cancelled my D/D. Today i recieved my first letter of them for a while (see attached), Im not sure what to do now ? Any Idea's Please http://i263.photobucket.com/albums/ii153/llieno/2008-04-10-1608-55.jpg

Thanks curlyben, much apreciated....

Ok does this mean that the debt is unenforceable because of the lack of prescribed terms? Should i write to them telling them this or wait for the threating letters to start.

Im sorry Curlyben is that a shame for me or them? I know i must sound quite stupid, im really not. Where do i go from here as i have had about 6 phone calls from them today (which i just happend to miss on acciedent, lol).

Hi here is a scan of what they sent, Sorry if quality is poor , Any help please.... http://i263.photobucket.com/albums/ii153/llieno/scan0001.jpg

Just a quick update, Yesterday i recieved a letter from our friends of the north saying, We enclose copy of your original credit agreement with Capital One in response to your written request to us under Section 78 (1) of the Consumer Credit Act 1974. We would also confirm the following information as required by the Act:- Balance payable against your account : £______ Current state of your account : Paying We look forward to your proposals for re-payment within the next seven days. Payment can be taken over the telephone by debit or credit card Please call .... Then there is a copy of what looks my original credit card apllication form, Any advise i think it all looks right but not sure, Do i arrange to go back to paying them or not.

Thanks, thought that would be the case have just cancelled the D/D. Have no doubt that the fun will start now. By the way have checked bank online they have taken the £1 i sent with my CCA.

Hi there just a quick one that i think will be pretty easy for you guys to answer, I have sent Lowell a CCA letter recorded delivery on the 13th Feb have a copy of RM Signed Delivery Note. Its now been over 12 days but have heard nothing from them nor have they taken the £1.00 cheque sent with it. My problem is that i have a D/D to go out of my bank in a couple days do i cancel it or let it still go out. If i do cancel it i know the phone calls and the letters will come, Any advise please ?

Hi there, have been reading this forum now for about 3-4 days now & my head feels like its about to go in to overdrive. Basically this is my situation, Lowell’s sent me a letter back in 2004 saying that they had brought my Barclays Account Debt and that I owed about £2500 (at this point I nearly pooed my pants as I had no idea that I owed that much) so thought nothing of it and presumed that was right so started paying off what I could. So after about 8-9 months I decided that I needed to sort out my credit file and asked about a settlement discount so paid off the debt in full (they gave me about 45% discount) then I receive a letter about a capital one card for about £500 so again started paying that off thinking nothing of it. Still owe about £400, and then found this site so I have sent off a CCA letter the other day & just going to see what happens. Is there anything I can do about the one I have paid? Just want to say THANKS in advance, you guys do something truly amazing in these forums given people advice when things seem to be at there worst. So keep up the good work and THANK YOU.

Hi folks, I am need of some help please. Basically when I was younger (Stupid) i had a few credit agreements that i left while i went traveling not thinking anything of it, Now 5 years later i have found it to come back and kick me up the Bum. I have three CCJ's against me that i have only just found out about. Have read about the N224 form's & just wondered if i have a chance of getting the court to put aside? I have had a good history of credit for the past 3 years eg; Loan, Creditcard, Mortgage. Now all of a sudden i cant get credit because of CCJ's / Defaults (putting a massive strain on my marriage) I owe less than £500 in defaults, I am trying to stay calm but is all a bit much to take in. Any advice would be extremely grateful and appreciated